# Knot

> Knot is a New York merchant connectivity platform that lets banks, fintechs, and card issuers move their customers' cards on file across hundreds of online merchants - automatically. Through APIs like CardSwitcher, TransactionLink, AccountUpdater, and SubscriptionManager, Knot helps issuers win the top-of-wallet spot, cut payment declines, and surface SKU-level spending data, all without users manually re-entering their card details at Netflix, Amazon, PayPal, and more.

- **Founded:** 2021
- **Headquarters:** New York, New York, United States
- **Founders:** Rory O'Reilly (Co-Founder & CEO), Kieran O'Reilly (Co-Founder & CTO)
- **Team size:** ~50 employees (about 80% in engineering)
- **Products:** CardSwitcher, TransactionLink, AccountUpdater, SubscriptionManager, AgenticShopping
- **Notable:** Raised $13M total, including a $10M Series A led by Nava Ventures (Aug 2023)., Built one of the first merchant connectivity platforms for card-on-file switching across hundreds of online merchants., Signed PayPal and Fiserv/Lyft Direct as named partners.

## Products & services

- **CardSwitcher** — Switches and updates a user's saved payment method across hundreds of online merchant accounts on their behalf, helping issuers become top-of-wallet without manual card re-entry.
- **TransactionLink** — Delivers user-permissioned, SKU-level (item-level) transaction data from top merchants - the line items, not just the total.
- **AccountUpdater** — Updates cardholder information on file across merchants in seconds, reducing failed payments from expired or reissued cards.
- **SubscriptionManager** — Lets users view, manage, and cancel subscriptions directly from within a partner's app.
- **AgenticShopping** — Embeds one-click, agent-driven shopping experiences into apps, extending Knot's merchant connectivity into automated checkout.

## Achievements

- Raised $13M total, including a $10M Series A led by Nava Ventures (Aug 2023).
- Built one of the first merchant connectivity platforms for card-on-file switching across hundreds of online merchants.
- Signed PayPal and Fiserv/Lyft Direct as named partners.
- Backed by American Express Ventures and Plaid.
- Achieved SOC 2, PCI, and AICPA compliance.

## Latest updates

- **2026-02** — Partnered with Fiserv to bring CardSwitcher to Lyft Direct, letting drivers update their card across merchants and subscriptions.
- **2025-04** — Launched a PayPal partnership rolling out CardSwitcher to PayPal users.
- **2024** — Expanded product line with SubscriptionManager and AgenticShopping.
- **2023-08** — Closed $10M Series A led by Nava Ventures, with Amex Ventures and Plaid participating.

## Links

- Website: https://knotapi.com
- LinkedIn: http://www.linkedin.com/company/knotapi
- Twitter/X: https://twitter.com/knotapis

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Profile page: https://yespress.io/knot
Published by YesPress — https://yespress.io
Last updated: 2026-06-07